Wells Fargo wire transfer fees depend on the type of transfer and whether you send it domestically or internationally

Wells Fargo charges different amounts based on whether you are sending money within the United States or to another country. Domestic wire transfers typically cost less than international ones. The exact fee also depends on whether you initiate the transfer online, by phone, or in person at a branch.

As of the most recent information available, Wells Fargo's domestic wire transfer fee is usually between $15 and $20 for outgoing transfers. International wire transfers cost more — typically $45 or higher, depending on the destination country and the specific service level you choose. These amounts can change, so confirming the current fee with Wells Fargo before you send is important.

Key Takeaways

  • Domestic wire transfers at Wells Fargo typically cost $15 to $20, while international transfers start at $45 or more.
  • The fee you pay depends on how you send the transfer — online, by phone, or at a branch — and which country receives the money.
  • Some Wells Fargo account types, such as certain premium checking or wealth management accounts, may waive wire transfer fees.
  • You will need the recipient's bank account number, routing number (for domestic transfers), or SWIFT code (for international transfers) before you initiate the wire.

Domestic wire transfer costs and how to send one

A domestic wire transfer sent within the United States costs $15 to $20 at Wells Fargo for outgoing transfers. The exact amount depends on whether you send it online, by phone, or in person. Online transfers are often the least expensive option, while phone and in-person transfers may carry a higher fee.

To send a domestic wire, you need the recipient's full name, bank account number, and the routing number of their bank. You can initiate the transfer through Wells Fargo's online banking portal, by calling their wire transfer line, or by visiting a branch in person. Most domestic wires arrive within one business day, though same-day transfers are sometimes available for an additional fee.

Wells Fargo will ask you to confirm the recipient's information before processing the wire. Double-check the account number and routing number carefully — once sent, a wire transfer cannot be reversed if the information is incorrect.

International wire transfer costs and requirements

International wire transfers from Wells Fargo start at $45 for outgoing transfers, though the final cost can be higher depending on the destination country and any intermediary banks involved. Some countries require the wire to pass through multiple banks before reaching the recipient, and each intermediary bank may charge its own fee.

For an international wire, you will need the recipient's name, account number, and their bank's SWIFT code (an eight- or eleven-character code that identifies banks worldwide). Some countries also require an IBAN (International Bank Account Number) instead of or in addition to the account number. Wells Fargo can tell you which information is required for the specific country you are sending to.

International wires typically take three to five business days to arrive, though this varies by destination. Wells Fargo will provide you with a reference number when you send the wire so you can track it.

Account types that may waive wire transfer fees

Wells Fargo offers several account tiers, and some include wire transfer fee waivers as a benefit. Premium checking accounts, such as Wells Fargo Platinum Checking or Wells Fargo Prime Checking, may waive domestic wire transfer fees for account holders. Wealth management and investment accounts sometimes include international wire waivers as well.

The specific benefits vary by account type and change periodically. If you maintain a high balance or have multiple accounts with Wells Fargo, you may be may be able to access for an account upgrade that includes wire transfer benefits. Contact Wells Fargo directly or log into your online banking to see which account features apply to you.

Incoming wire transfer fees

Wells Fargo does not charge a fee to receive a domestic wire transfer. International incoming wires may carry a fee of $15 or more, depending on the circumstances and the country the wire originates from. Some international wires incur fees charged by intermediary banks, which Wells Fargo may deduct from the amount you receive.

When someone sends you a wire, ask them to confirm with their bank whether any fees will be deducted from the amount they are sending. This way you will know how much money to expect to arrive in your account.

How to confirm current fees before you send

Wire transfer fees can change, so the amounts listed here may not reflect Wells Fargo's current pricing. Before you send a wire, log into your Wells Fargo online banking account and look for the wire transfer fee disclosure, or call Wells Fargo customer service at the number on the back of your debit card.

When you call or visit a branch, have the recipient's information ready and tell the representative whether the transfer is domestic or international. They can quote you the exact fee and confirm how long the transfer will take. This also gives you a chance to ask about any fee waivers you may be may have access to to based on your account type.

Frequently Asked Questions

Can I cancel a wire transfer after I send it?

Once a wire transfer is sent, it usually cannot be canceled. Contact Wells Fargo immediately if you need to stop a transfer — they may be able to halt it if it has not yet been processed, but this is not may provide. For this reason, always verify the recipient's information before confirming the wire.

Why did I receive less money than was sent?

International wires often arrive with less money than was sent because intermediary banks deduct their own fees along the way. The sending bank should have disclosed these fees before the wire was sent. Ask Wells Fargo for the wire reference number and contact the recipient's bank to see which fees were charged.

How do I know if a wire transfer went through?

Wells Fargo provides a reference number when you send a wire. You can use this number to track the transfer through your online banking account or by calling customer service. The recipient's bank can also confirm whether the wire has arrived using the reference number.

Is there a limit to how much I can wire?

Wells Fargo sets daily and monthly wire transfer limits that vary by account type. Your limit may be higher if you have a premium account or a longer history with the bank. Log into online banking or call customer service to see your current limit and request an increase if needed.